Can you believe that summer is upon us? I honestly can't believe that we are diving into summer and less than a month away from the birth of our second child! We are extremely excited for the summer to arrive. This means that baseball is over for me and I have more time to work on my website. So, what did May look like for our family? We celebrated my wife's birthday, mother's day and even celebrated our anniversary (a little early). Our best time to get away seemed to be in May, because June just seemed a little close to the due date.
This is the second of a two part series of articles talking about fun and cheap ways to spend time with your kids without breaking the budget. The two articles combined will total 41 ideas. This article in particular will have 21 out of the 41 ideas. My first article, which posted on Monday, June 4, 2018, had 20 of the 41 ideas. Hope you enjoy this list and let me know if you think of any others. Check out the last 21 out of 41 ideas that we came up with (in no particular order):
Summer is here and that means that our kids are home. No more school, more free time and more time to drive you crazy! This summer for us is particularly interesting for the Summit of Coin family. We will be having our second child in the middle of the summer (I know exciting, right). By the time our second child arrives, our oldest will be 19 months old. She's in the perfect jealousy age and the perfect age to challenge mom and dad.
For me, respect is a tough topic to write about and define. I believe this stems from being an educator. As educators, we always talk about the importance of teaching our students respect. In professional developments, this is met with a question, "What does respect look like? What does respect really mean?" The leader of this type of professional development is trying to make us see that not everybody knows the meaning of respect. Therefore, there is a broad understanding in the educational field that respect needs to be taught and modeled to our students.
A couple months ago, I was working on our finances, and I was using a notepad that was supplied by my wife's employer. Her employer likes to send out notepads and calendars with inspirational topics and tips. Each month or each pad has a different topic. This particular notepad had a financial theme and every once in a while you will stumble upon a page with tips. This particular page of tips was talking about strategies to save money at the grocery store. One statement stuck out to me, because I have recently been questioning buying in bulk. The below statement got me thinking:
Well, April is in the books and I am smack dab in the middle of baseball season. This mean late nights and less time with my family. However, I truly love baseball season. I really enjoy the smell of the grass, the time outdoors and coaching up kids to play the great American pastime.
A couple of months ago, I was talking with one of my relatives about retirement. During this discussion the topic of a pension came up and our conversation sounded something like this:
Me - "I hate my pension, because I have to put in 7.7% of my income into my pension."
My Relative - "At least you have a pension. I wish I had a pension."
The conversation didn't go much farther, but this conversation made me wonder. Do people really still believe in pensions? I feel like throwing my money in a pension is a waste and I wish I could choose to deny those contributions.
Growing up in Nebraska, I remember celebrating Arbor Day every year while I was in school. It was a big celebration in my state and school, because Arbor Day was first celebrated in Nebraska. I have lived in Texas for over 8 years and Arbor Day is not a big deal in the state and even the schools. Therefore, I decided to take a break from my originally scheduled articles on finances and discuss ways to celebrate a holiday that gives back to the environment!
A couple years ago, my employer began offering a FSA (Flexible Spending Arrangements) for healthcare expenses. Once they began offering this product, I had to do some research to decide whether it would be a good deal. I initially couldn't decide, because I didn't want money just sitting around not growing!While researching the FSA, I stumbled upon the HSA (Health Savings Account). I discovered that the HSA is a much better product. Despite this discovery, I still found that investing in a FSA was worth it for the Summit of Coin family (that may change toward the end of 2018).